Terms & Conditions

M-KOPA Standard Purchase Order Terms and Conditions

The following Standard Purchase Order Terms and Conditions (“Terms”) only apply to transactions that do not have a valid written agreement, duly executed by both parties. If there is such an agreement, then these terms shall be the terms that govern the transaction and relationship of the parties and these Terms shall have no effect.
In the absence of such valid written agreement, duly executed by both parties, then these Terms provide you (“Seller”) with the guidelines and legal stipulations of your purchase order (“Order”) with the relevant M-KOPA Group entity (as applicable, the “Purchaser”) for the goods and/or services that are described on the face of the Order. The M-KOPA Group consists of M-KOPA Holdings Limited and each of its direct and indirect subsidiaries including M-KOPA Kenya Limited, M-KOPA Uganda Limited, M-KOPA Solar Tanzania Limited, M-KOPA Hong Kong Limited, M-KOPA Ghana Limited and M-KOPA Solar Nigeria Limited.

1. ACCEPTANCE AND TERMS AND CONDITIONS

Seller accepts this Order and any amendments by signing the acceptance copy of the Order and returning it to Purchaser promptly. Even without such written acknowledgement, Seller’s full or partial performance under this Order will constitute acceptance of these Terms. By acceptance of this Order, Seller agrees to be bound by and to comply with all these Terms, which include any supplements to it, and all specifications and other documents referred to in this Order. These Terms apply to everything listed in this Order and constitute Purchaser’s offer to Seller, which Purchaser may revoke at any time prior to Seller’s acceptance. This Order is not an acceptance by Purchaser of any offer to sell, any quotation, or any proposal. Reference in this Order to any such offer to sell, quotation, or proposal will not constitute a modification of any of these Terms. Terms and conditions different from or in addition to these Terms, whether contained in any acknowledgement of this Order, or with the delivery of any goods or services under this Order, or otherwise, will not be binding on Purchaser, whether or not they would materially alter this Order, and Purchaser hereby rejects them. These Terms may be modified only by a written document signed by duly authorized representatives of Purchaser and Seller.

2. DEFAULT

Time is of the essence of this Order. Purchaser may write a notice of default to Seller to (a) terminate all or any part of this Order if Seller fails to perform, or so fails to make progress as to endanger performance of this Order in accordance with its terms, and does not cure such failure within a period of ten (10) days (or such longer period as Purchaser may authorize in writing) after receipt of notice from Purchaser specifying such failure; and (b) procure, on such terms as it will deem appropriate, goods or services similar to those so terminated. Seller will continue performance of this Order to the extent not terminated and will be liable to Purchaser for any excess costs for such similar goods or services.
As an alternate remedy, and in lieu of termination for default, Purchaser, at its sole discretion, may elect to extend the delivery schedule and/or waive other deficiencies in Seller’s performance, in which case an equitable reduction in the Order price will be negotiated. If Seller for any reason anticipates difficulty in complying with the required delivery date, or in meeting any of the other requirements of this Order, Seller will promptly notify Purchaser in writing. If Seller does not comply with Purchaser’s delivery schedule, Purchaser may require delivery by the fastest way and charges resulting from the premium transportation must be fully prepaid and absorbed by Seller. The rights and remedies of Purchaser provided in this Section 2 will not be exclusive and are in addition to any other rights and remedies provided by law, at equity or under this Order.

3. PRICE

This Order must not be filled at a price higher than shown on the face of the Order. If no price is set forth on the front of the Order, the goods or services will be billed at the price last quoted or at the prevailing market price, whichever is lower, and, in any event, goods and services ordered under this Order will not be billed at a higher price than last quoted or charged without Purchaser’s specific written authorization. The purchaser will be entitled at all times to set off any amount owed at any time by Seller or any of its affiliates to Purchaser or any of its affiliates against any amount payable at any time by Purchaser in connection with this Order. No extra charges of any kind will be allowed unless specifically agreed to in writing by the Purchaser. All applicable taxes arising out of transactions contemplated by the Order will be borne by Seller except as otherwise specified by the parties in writing. If Seller reduces its prices for such goods and/or services during the term of this Order, Seller shall correspondingly reduce the prices of goods and/or services sold thereafter to Purchaser under this Order.

4. INVOICES, PAYMENT, AND TAXES

1. Invoices shall be rendered on completion of services or delivery of goods and shall contain the Purchase Order Number, item number, description of goods or services, quantities, unit prices, date(s) rendered, total purchase price and applicable taxes, including VAT. Each invoice must refer to one, and only one, purchase order.
2. Payment shall be made on the terms of 100% net 30 calendar days from the date of receipt of a correct invoice. Discounts shall be separately stated on the invoice. Cash discount periods shall be computed from either the date of actual delivery of the goods or the date an acceptable invoice is received, whichever is later. All claims for money due or to become due from Purchaser shall be subject to deduction by Purchaser for any setoff or counterclaim arising out of this or any other of Purchaser’s Orders with Seller.
3. When the work commissioned under this Order is to be paid for on an hourly rate basis, daily time sheets, unless otherwise agreed, shall be certified by authorized Purchaser personnel and attached to the invoice. The timesheets shall be originals or copies with an original signature. If subcontractors are used, a copy of their invoices shall always accompany the invoice issued to the Purchaser.
4. Payment of an invoice does not preclude Purchaser from filing complaints about work which proves not to have been properly performed. Purchaser, at its sole discretion, may not affect any payment unless proper documents are submitted by Supplier.

5. PACKAGING

All goods must be packaged in the manner specified by Purchaser and shipped in the manner and by the route and carrier designated by Purchaser. If Purchaser does not specify the manner in which the goods must be packaged, Seller shall package the goods so as to avoid any damage in transit. If Purchaser does not specify the manner of shipment, route, or carrier, Seller shall ship the goods at the lowest possible transportation rates, consistent with Seller’s obligation to meet the delivery schedule set forth in this Order.

6. INSPECTION

All goods and services will be subject to inspection and test by Purchaser at all times and places, including the period of manufacture and in any event prior to final acceptance. Final acceptance or rejection of the goods or services will be made promptly and practicable after delivery except as otherwise provided in this Order, but failure to inspect and accept or reject goods or services or failure to detect defects by inspection, will neither relieve Seller from responsibility for such goods or services as they are not in accordance with this Order nor impose liabilities on Purchaser for them. Purchaser’s payment for the goods shall not constitute its acceptance of the goods. Goods rejected and goods supplied in excess of quantities ordered may be returned to the Seller at Seller’s expense. Payment, if any, made for any goods rejected hereunder shall be promptly refunded by Seller. Seller will provide and maintain an inspection and process control system acceptable to Purchaser covering the goods and services ordered. Records of all inspection work by Seller will be kept complete and available to Purchaser during the performance of this Order and for seven (7) years after Seller’s completion of this Order. If any of the goods or services are found at any time to be defective in material or workmanship, or otherwise not in conformity with the requirements of this Order, including any applicable drawings and specifications, then Purchaser, in addition to such other rights and remedies it may have by contract or by law or equity, at its sole discretion may reject and return such goods at Seller’s expense, require Seller to inspect the goods and remove nonconforming goods and/or require Seller to replace nonconforming goods or services with conforming goods or services. If Seller fails to make the necessary inspection, removal, and replacement in a time and manner satisfactory to Purchaser, Purchaser may at its option inspect and sort the goods; Seller will pay any related costs.

7. WARRANTIES

Seller represents and warrants that:

1. All goods and services are free of any claim of any nature by any third person and that Seller will convey clear title to Purchaser.
2. All services are performed in a manner acceptable in the industry and in accordance with generally accepted standards, are free from all defects, are fit for the particular purposes for which they are acquired, and are provided in strict accordance with the specifications or other requirements (including performance specifications) approved or adopted by Purchaser.
3. All goods sold will be of merchantable quality, free from all defects in design, workmanship and materials, and fit for the particular purposes for which they are purchased and that the goods and services are provided in strict accordance with the specifications, samples, drawings, designs or other requirements (including performance specifications) approved or adopted by Purchaser.
4. The prices for the goods or services sold to Purchaser under this Order are not less favourable than those currently extended to any other customer for the same or similar goods and/or services in equal or lesser quantities.
5. Seller shall not act in any fashion or take any action that will render Purchaser liable for a violation of any applicable anti-bribery legislation (including without limitation, the U.S. Foreign Corrupt Practices Act, the U.K. Bribery Act 2010 and the Kenya Bribery Act 2016), which prohibits the offering, giving, or promising to offer, give or receive, directly or indirectly, money or anything of value to any third party to assist it, them or Purchaser in retaining or obtaining business or in procuring the goods or services. Purchaser’s inspection, test, acceptance, or use of the goods shall not affect Seller’s obligations under these warranties. Seller shall replace or correct, at Purchaser’s option and at Seller’s cost, defects of any goods not conforming to these warranties. If Seller fails to correct defects in or replace nonconforming goods within ten (10) days from the date the Purchaser notifies Seller of the defect or defects, Purchaser may, on ten (10) days prior write a notice to Seller, either:
   1. Make such corrections or replace such goods and charge Seller for all costs incurred by Purchaser.
   2. Revoke its acceptance of the goods in which event Seller shall be obligated to refund the purchase price and make all necessary arrangements, at Seller’s cost, for the return of the goods to Seller. All warranties of Seller herein or that are implied by law shall survive any inspection, delivery, acceptance, or payment by Purchaser. Any attempt by Seller to limit, disclaim, or restrict these warranties or any remedies of Purchaser, by acknowledgement or otherwise, in accepting or performing this Order, will be null, void, and ineffective without Purchaser’s written consent.

8. INDEMNIFICATION

Seller shall indemnify and hold Purchaser and its affiliates and its affiliates’ directors, officers, employees and agents harmless and, on Purchaser’s request, shall defend each of them from and against any or all third party claims, demands, litigation, or proceedings of whatever kind, whether based upon negligence, breach of express or implied warranty, strict liability, infringement of intellectual property rights, or any other theory, and from and against all direct, indirect, special, exemplary, incidental or consequential damages of every kind whatsoever, arising out of, by reason of, or in any way connected with the goods and/or services, the design, manner of preparation, manufacture, construction, completion, or delivery or non-delivery of any goods and/or services by Seller, any breach by Seller of any of its obligations hereunder, or any other act, omission or negligence of Seller or any of Seller’s employees, workers, servants, agents, subcontractors, or suppliers. Seller shall, on request, pay or reimburse Purchaser or any other party entitled to indemnification hereunder for all costs and expenses, including attorneys’ fees, as incurred by Purchaser or such other party in connection with any such claim, demand, litigation, proceeding, loss, or damage.
In addition, for infringement claims, Seller will, at its own expense and at Purchaser’s option, either procure for Purchaser the right to continue using the allegedly infringing item, replace it with a non-infringing equivalent, or remove it and refund the purchase price and transportation and installation costs thereof.

9. LIMITATION OF LIABILITY

Purchaser’s aggregate liability arising from or relating to this order is limited to the amount paid by purchaser for the goods and/or services. To the maximum extent allowable under applicable law, purchaser shall not be liable under this order for any special, incidental, consequential, indirect, or punitive damages including, without limitation, lost revenues even if purchaser has been advised of the possibility of such damages.

10. PURCHASER’S PROPERTY

Tangible or intangible property of any nature furnished to Seller by Purchaser or specifically paid for in whole or in part by Purchaser, and any replacements or attachments, are the property of Purchaser and, unless otherwise agreed in writing by Purchaser, will be used by Seller solely to render services or provide goods to Purchaser. Seller will not substitute any property or take any action inconsistent with Purchaser’s ownership of such property. While in Seller’s custody or control such property will be held at Seller’s risk, will be kept insured by Seller at its expense for its replacement cost with loss payable to Purchaser, and will be subject to removal at Purchaser’s written request, in which event Seller will prepare such property for shipment and redelivery to Purchaser in the same condition as originally received by Seller, reasonable wear and tear excepted, all at Seller’s expense.

11. CHANGES

At all times Purchaser will have the right to make changes to this Order, including changes to drawings, designs, configurations, specifications, quantities, methods of shipment or packing and delivery schedules or location of delivery. If any such changes cause an increase or decrease in the cost of or the time required for the performance of any work under this Order, an equitable adjustment will be made in the contract price or delivery schedule, or both, and this Order will be modified in writing accordingly. Nothing in this Section, including any disagreement with Purchaser as to any claimed adjustment, will excuse Seller from proceeding with this Order as changed. Any claim by the Seller for adjustment under this Section 11 must be in a detailed writing and delivered to Purchaser within five (5) days after the date Seller receives notification of change. Any change will be authorized only by a duly executed amendment to this Order. Information, such as technical information or guidance provided to Seller by representatives of Purchaser, will not be construed as a change within the meaning of this Section. If Seller considers that the conduct of any of Purchaser’s employees has constituted a change under this Order, Seller will immediately notify Purchaser’s Central Procurement Office, in writing, as to the nature of the change and any proposed adjustment, which will then be subject to this Section 11.

12. COMPLIANCE WITH LAWS

Seller represents and warrants that it is in compliance with and all goods and/or services supplied hereunder have been produced or provided in compliance with the applicable provisions of all national, supranational, federal, state, local laws or ordinances and all related lawful orders, rules and regulations. Seller shall comply with any provisions, representations, or agreements, or contractual clauses required to be included or incorporated by reference or operation of law in any Order. Seller shall be required to obtain and pay for any license, permit, inspection or listing by any public body or certification organization required in connection with the manufacture, performance, completion or delivery of any good and/or service.

13. ANTI-CORRUPTION AND FRAUD AND TIP OFFS

All Seller actions related directly or indirectly to the performance of this Order will comply with all applicable anti-corruption laws. Accordingly, Seller will not offer, promise, or provide any payments, loans, gifts of money, or anything of value to secure an improper advantage or for a corrupt purpose as described in applicable law. The Purchaser has a zero-tolerance policy for corruption, bribery, facilitation payments, fraud, misappropriation of company assets or any other forms of illegal behaviour. The Seller agrees to notify the Purchaser directly at compliance@m-kopa.com or through the Purchaser’s Whistleblowing hotline which is managed by an independent third party by emailing M-KOPA@tip-offs.com or by using www.tip-offs.com for any known or suspected violations of any of the aforementioned.

14. Confidential or Proprietary information

Notwithstanding any document marking to the contrary, any knowledge or information that the Seller has disclosed or may later disclose to Purchaser, and which in any way relates to the goods or services covered by this Order will not, unless otherwise specifically agreed to in writing by Purchaser, be deemed to be confidential or proprietary information, and will be acquired by Purchaser, free from any restrictions. Seller will not transmit to Purchaser any sensitive personal information, including, but not limited to, identified health information, financial information, social security numbers, biometrics or other personally identified or identifiable information of sensitivity. Seller will keep confidential any information disclosed from the Purchaser including but not limited to technical, process, economic, or other information derived from drawings, specifications and other data furnished by Purchaser in connection with this Order (in whatever form or format) and will not divulge, export, or use, directly or indirectly, such information for the benefit of any other party without obtaining Purchaser’s prior written consent. Except as required for the efficient performance of this Order, Seller will not use such information or make copies or permit copies to be made of such drawings, specifications, or other data without the prior written consent of Purchaser. If any reproduction is made with prior consent, this notice will be provided. Upon completion or termination of this Order, Seller will promptly return to Purchaser all materials incorporating any such information and any copies, except for one record copy. Seller agrees that no acknowledgement or other information concerning this Order and the goods or services provided will be made public by Seller without the prior written agreement of Purchaser.

15. PATENTS AND DATA

All records, software, files, data, reports, information, work product, notes, plans, strategies, intellectual property and other information provided by Purchaser or prepared or developed by or for Purchaser pursuant to this PO ( “Work Product”) is the property of the Purchaser and constitutes works made for hire under applicable law. Seller assigns all intellectual property rights in the Work Product to the Purchaser and agrees to complete any documents requested by the Purchaser to perfect its ownership in the Work Product. Seller waives all moral rights related to the Work Product. Seller grants to the Purchaser an unlimited, nonexclusive license to use, copy, modify or create derivative works of any materials delivered to the Purchaser which are developed prior to or outside of this Order. All materials, equipment and other information supplied to Seller by the Purchaser will remain the property of Purchaser and be returned to the Purchaser when no longer needed by Seller in the provision of services or goods and in any event upon the expiration or earlier termination of this Order.

16. WORK ON PURCHASER’S PREMISES

If Seller’s work under this Order requires Seller to be on the premises of Purchaser or at Purchaser’s direction, Seller will take all necessary precautions to prevent any injury to persons or damage to property, including following any rules, procedures or other requirements of Purchaser.

17. INSURANCE

Seller will secure and maintain insurance providing sufficient coverage to comply with its obligations and duty to indemnify as required under this Order. Within five (5) days of receipt of a request from the Purchaser, Seller agrees to provide the Purchaser with a certificate of insurance evidencing the Seller’s insurance coverages.

18. TERMINATION

Purchaser may terminate all or any part of this Order for convenience at any time by written notice to Seller. Upon such termination, Purchaser’s liability will be limited to reasonable termination charges mutually agreed by Seller and Purchaser, provided that Seller must specify any proposed charges in writing within fifteen (15) days after termination. This Order shall terminate automatically, without notice, if Seller becomes insolvent or the subject of any proceeding under the laws relating to bankruptcy or the relief of debtors.

19. MISCELLANEOUS

1. NON-ASSIGNMENT: Assignment of this Order or any interest in it or any payment due or to become due under it, without the written consent of the Purchaser, will be void. An assignment will be deemed to include not only a transfer of this Order or such interest or payment to another party but also a change in control of Seller, whether by transfer of stock or assets, merger, consolidation, or otherwise.
2. All the prices are established as F.O.B. Seller and/or Origin Dock, Freight Prepaid, unless otherwise specifically provided on the front of this Order. Title and risk of loss shall not pass to Purchaser until delivery of the goods to the location designated on the face of this Order and acceptance by Purchaser. If Purchaser rightfully rejects the goods, receives a non-conforming tender, or revokes its acceptance, risk of loss and title shall be deemed to have remained with Seller. The responsibility for freight damaged merchandise will be assumed by Seller. No charges for unauthorized transportation will be allowed. Any unauthorized shipment, which will result in excess transportation charges, must be fully prepaid by the Seller. Seller will not declare any value on such materials shipped via United Parcel Service, Rail Express, Air Express, Air Freight or Parcel Post. Seller will release rail or truck shipments at the lowest released valuation permitted in the governing tariff or classification.
3. ANTICIPATION OF DELIVERY SCHEDULE: Unless otherwise agreed in writing, Seller will not make material commitments or production arrangements in excess of the amount or in advance of the time necessary to meet Purchaser’s delivery schedule. Goods shipped to Purchaser in advance of schedule may be returned to Seller at Seller’s expense.
4. SELLER’S INVENTORY:Purchaser will have no obligation to request quotations or place Orders with Seller, both of which will be in Purchaser’s sole discretion. Purchaser acting in its sole discretion will determine the actual quantity of goods or services to be purchased. The quantity of goods or services, if any, specified in forecasts supplied by Purchaser from time to time, or otherwise, is an estimate only. The seller bears sole responsibility for managing Seller’s raw material, work in process, and inventory, and Purchaser will have no liability with respect thereto (whether upon termination of this Order or otherwise) other than in connection with termination as provided in Section 16.
5. FORCE MAJEURE: Purchaser may delay delivery and/or acceptance occasioned by causes beyond its control.
6. REMEDIES: Each of the rights and remedies reserved to Purchaser in this Order shall be cumulative and additional to any other remedies provided in law or equity. No delay or failure by Purchaser in the exercise of any right or remedy shall affect any such right or remedy and no action taken or omitted by Purchaser shall be deemed to be a waiver of any such right or remedy.
7. PUBLICITY: Seller will not use Purchaser’s name or logo in publicity, advertising, or similar activity, except with Purchaser’s prior written consent. Seller will not disclose the existence of this Order or any of its respective terms to any third party without Purchaser’s prior written consent.
8. DOCUMENTATION: It is agreed that all technical documentation and other literature necessary for the proper use of the goods or services will be provided to Purchaser with the goods or services unless otherwise directed by Purchaser, and its cost is included in the price.
9. GOVERNING LAW AND DISPUTES: If each of the Purchaser and the Seller is based in Kenya all claims (contract, tort, or otherwise) arising out of or relating to any Agreements will be governed by and construed in accordance with the laws of Kenya, excluding any choice of law rule thereof that would direct the application of the laws of another jurisdiction and Seller agrees that the courts of Kenya will have exclusive jurisdiction about any proceedings arising out of any agreement initiated by the Seller and further agrees that the Buyer will have the right to initiate proceedings arising out of or about any Agreement in any court having competent jurisdiction.If each of the Purchaser and the Seller is based in Uganda all claims (contract, tort, or otherwise) arising out of or relating to any Agreements will be governed by and construed in accordance with the laws of Uganda, excluding any choice of law rule thereof that would direct the application of the laws of another jurisdiction and Seller agrees that the courts of Uganda will have exclusive jurisdiction about any proceedings arising out of any agreement initiated by the Seller and further agrees that the Buyer will have the right to initiate proceedings arising out of or about any Agreement in any court having competent jurisdiction.If each of the Purchaser and the Seller is based in Tanzania all claims (contract, tort, or otherwise) arising out of or relating to any Agreements will be governed by and construed in accordance with the laws of Tanzania, excluding any choice of law rule thereof that would direct the application of the laws of another jurisdiction and Seller agrees that the courts of Tanzania will have exclusive jurisdiction about any proceedings arising out of any agreement initiated by the Seller and further agrees that the Buyer will have the right to initiate proceedings arising out of or about any Agreement in any court having competent jurisdiction.If each of the Purchaser and the Seller is based in Nigeria all claims (contract, tort, or otherwise) arising out of or relating to any Agreements will be governed by and construed in accordance with the laws of Nigeria, excluding any choice of law rule thereof that would direct the application of the laws of another jurisdiction and Seller agrees that the courts of Nigeria will have exclusive jurisdiction about any proceedings arising out of any agreement initiated by the Seller and further agrees that the Buyer will have the right to initiate proceedings arising out of or about any Agreement in any court having competent jurisdiction.If each of the Purchaser and the Seller is based in Ghana all claims (contract, tort, or otherwise) arising out of or relating to any Agreements will be governed by and construed in accordance with the laws of Ghana, excluding any choice of law rule thereof that would direct the application of the laws of another jurisdiction and Seller agrees that the courts of Ghana will have exclusive jurisdiction about any proceedings arising out of any agreement initiated by the Seller and further agrees that the Buyer will have the right to initiate proceedings arising out of or about any Agreement in any court having competent jurisdiction.If each of the Purchaser and the Seller is based in Hong Kong all claims (contract, tort, or otherwise) arising out of or relating to any Agreements will be governed by and construed in accordance with the laws of Hong Kong, excluding any choice of law rule thereof that would direct the application of the laws of another jurisdiction and Seller agrees that the courts of Hong Kong will have exclusive jurisdiction about any proceedings arising out of any agreement initiated by the Seller and further agrees that the Buyer will have the right to initiate proceedings arising out of or about any Agreement in any court having competent jurisdiction.
   In all other circumstances, all claims (contract, tort, or otherwise) arising out of or relating to any agreements will be governed by and construed in accordance with the laws of England and Wales, excluding any choice of law rule thereof that would direct the application of the laws of another jurisdiction. Seller agrees that English courts will have exclusive jurisdiction about any proceedings arising out of or about any agreement initiated by Purchaser. The purchaser will have the right to initiate any proceedings arising out of or about any Agreement in any court having jurisdiction.
10. SURVIVAL: Seller’s obligations under Sections 7, 8, 9, 13, 14, 15, 17 and 19 (f), (g), (i), (j), (k), (l), (m), and (o) will survive any termination of this Order.

We believe that ensuring a safe environment in which anyone feels comfortable speaking up is the most important aspect of creating a healthy company culture. We believe the M-KOPA society will benefit from everyone having the opportunity to speak up.

SpeakUp enables organizations to detect unethical behavior as soon as possible.

It is an interactive platform that makes it possible to anonymously report and communicate about unethical behavior 24/7/365 days per year.

Here’s how you can anonymously report unethical behavior via SpeakUp: https://bit.ly/MKOPASpeak_Up.

M-KOPA Cash Loans Terms and Conditions

The following terms and conditions (hereinafter referred to as the “Terms” as updated from time to time) are applicable to the M-KOPA cash loan product (the “Product”). These Terms as well as the M-KOPA Customer Privacy Policy (https://www.m-kopa.com/privacy/) (the “Privacy Policy” as updated from time to time) and the M-KOPA APP terms and conditions are explicitly incorporated into the Customer’s agreement to accept the Product (the “Agreement”). The Customer (“You”) should therefore read the below Terms and the Privacy Policy. Acceptance of the Agreement shall constitute acceptance of these Terms and the Privacy Policy.

By accessing the Digital Channel (as defined below) and maintaining your Account (as defined below) You agree to comply with and be bound by these Terms governing the Product and you will be deemed to have read, understood, accepted and agreed with the Terms upon responding affirmatively on the applicable Digital Channel. If You do not agree with the terms of this Agreement, please do not click the “Agree” button on the Digital Channel. Please note that you will not be able to access the Product if you do not click “Agree” on the Digital Channel.

Should you have any questions about interpretation or meaning of these Terms or the Agreement, contact M-KOPA Customer Services Center.

Table of Contents

1. DEFINITIONS
2. REPAYMENTS
3. MODE OF PAYMENT
4. PROMOTIONS/OFFERS
5. PRODUCT CHARGES
6. TAXES
7. PERMISSION FOR ADMINISTRATION RIGHTS
8. DEFAULT ON REPAYMENT AND CREDIT REPORTING
9. NO SETOFF
10. CONTACT INFORMATION
11. ACCOUNT STATEMENT
12. ASSIGNMENT
13. M-KOPA RESPONSIBILITIES
14. GENERAL PROVISIONS

1. DEFINITIONS
These Terms use certain capitalised terms that are also used in your Agreement. Any capitalised terms that are used in these Terms and not otherwise defined have the same meaning as in the Agreement have the same meaning when they are used in these Terms and in your Agreement. These Terms also have the following additional defined terms:

1.1. “Account” means the M-KOPA customer account used for purposes of receiving the Repayment.

1.2. “Additional Product” means any follow-on or upgrade product that is purchased by You.

1.3. “Applicable Laws” means all laws, subordinate legislation and common law, rules, regulations, and formal regulatory guidelines and standards, ordinances and by-laws; directives, codes of practice, circulars, guidance notices, judgments and decisions of any competent authority, or any governmental, intergovernmental or supranational body, agency, department or regulatory, self-regulatory or other authority or organisation; and other similar provisions, from time to time, compliance with which is mandatory for a Party and which are in force from time to time and relevant to these Terms and the Agreement.

1.4. “Credit Bureau” means a credit reference bureau duly licensed under Banking Act pursuant to Banking (Credit Reference Bureau) Regulations, 2013, as amended, revised or promulgated from time to time, to inter alia, collect and facilitate the sharing of customer credit information.

1.5. “Digital Channel” means the M-KOPA App, USSD or any other digital channel which is used by the Customer to apply for or otherwise access the Product.

1.6. “Gateway Product” means the product initially purchased by You which controls your eligibility to apply for the Product.

1.7. “Interest” means the interest charges applicable to the Product pursuant to the Agreement.

1.8. “Loan Amount” means the loan amount received from M-KOPA pursuant to the Agreement.1.9 “Product” means the cash loan product the principal amount of which will be granted by M-KOPA to You under the terms of the Agreement from time to time through the Digital Channel or (as the context requires) the total amount outstanding, including any Interest and/or other charges for the time being.

1.9. “Repayment” means the repayment of Product.

2. REPAYMENTS
You agree to pay the Repayments on the applicable due date (or in advance at your choosing) and You agree that the Repayments which may be paid on daily, weekly or monthly basis (as applicable), shall be applied toward your Product, until you make the Repayments in full within the maximum payment period as set out in the Agreement. You agree that the terms of your Product and charges payable in relation to the Product has been displayed on the Digital Channel and/or explained to You, prior to accepting the Product.

3. MODE OF PAYMENT
The Repayments (whether made daily, weekly, monthly or in total upfront) towards your Product shall be made through M-PESA Pay Bill Number 333222 or through the M-KOPA App.

No payments by cash will be accepted by M-KOPA nor should they be made under any circumstances for the Product or the Repayments. Please inform M-KOPA Customer Service immediately using the contact details below if requested to make any cash payment.

You agree and understand that a portion of the Repayments consists of costs related to the Product including Interest. You understand that You may contact M-KOPA to get a breakdown of your Repayments.

4. PROMOTIONS/OFFERS
You may be identified by M-KOPA as eligible for various promotions and offers (including but not limited to airtime and data bundles). You will receive an SMS or WhatsApp notification informing You of the available promotions and the applicable terms and conditions. You will have the option to accept or opt out of the available promotions and offers. The terms and conditions of the available promotions and offers will be supplemental and subject to these Terms. M-KOPA reserves the right to amend or vary the terms and conditions relating to such promotions/ offers.

5. PRODUCT CHARGES
You may apply for the Product through any of the Digital Channels. The maximum limit of the Loan Amount will vary depending on your eligibility for the Product. M-KOPA will communicate the Loan Amount, Interest and any other charges applicable to You prior to issuing the Product.

It is understood that if You make the Repayments on the applicable due dates as stated in your Agreement, a monthly Interest rate of between 3-10% shall apply to the Product. Interest shall be subject to the limits permissible by Applicable Law.

6. TAXES
The Repayments are exclusive of tax. In the event taxes are payable subject to Applicable Law, M-KOPA will inform You of the new development and You will pay any additional amount attributable to tax. Further, if M-KOPA is obligated by Applicable Law or any regulatory body to withhold any amounts relating to your Account, You hereby consent and agree to such withholding.

7. PERMISSION FOR ADMINISTRATION RIGHTS
You agree that M-KOPA shall have administration rights over the Gateway Product which will allow M-KOPA to restrict usage of and potentially disable the Gateway Product if the Repayments are not paid or your Account is otherwise in arrears. You understand that these administration rights may be reactivated even if You have paid the Repayments for the Product. You agree not to attempt to alter the administration rights granted to M-KOPA on the Gateway Product and any attempt to do so could void the warranty of the Gateway Product and violate the intellectual property rights of M-KOPA and the relevant Gateway Product manufacturer.

8. DEFAULT ON REPAYMENT AND CREDIT REPORTING
If You fail to fulfil your contractual obligations including keeping current on your Repayments, as required in the Agreement and such failure is continuing, You consent and agree, without prejudice to any other right or remedy granted to us under any law, that M-KOPA shall:

• declare the Product granted to You under the Agreement (and all other amounts related to the Product outstanding under this Agreement (including Interest,) immediately due and payable;
• restrict usage of and potentially disable the Gateway Product;
• if necessary, engage an external collections agency to seek Repayment;
• seek indemnification upon demand against any reasonable loss or expense, which M-KOPA may incur as a consequence of your failure to make the Repayment; and/or
• terminate the Agreement.

In addition, if You fail to keep current on the Repayments for the Product, your credit history and related information may be reported to a Credit Bureau until You become current in your Repayments, subject to Applicable Law.

9. NO SETOFF
All payments to be made by You under this Agreement shall be made in full without any setoff or counterclaim free and clear of and without any deduction or withholding whatsoever. If You are at any time required to make any deduction or withholding, You shall immediately pay such additional amounts as will result in M-KOPA receiving the full amount it would have received had no such deduction or withholding been required.

10. CONTACT INFORMATION
You consent that M-KOPA will send electronic communications to the primary and alternative contact details provided in the Agreement. You are solely responsible for the accuracy of such information and must ensure that all contact information provided to M-KOPA is complete and accurate in order to allow M-KOPA to contact You or the Alternative Contact Person during reasonable hours regarding your Account. You agree to inform M-KOPA of any changes to the contact information during the term of the Agreement.

11. ACCOUNT STATEMENTS
A statement in respect of your Account can be made available to You upon request. Contact M-KOPA Customer Services Center.
M-KOPA reserves the right to rectify discrepancies and/or alter the entries in your statements. Save for a manifest error, a statement issued to You in respect of your Account shall be conclusive evidence of the transactions carried out and requested by You in relation to your Account for the period covered in the statement.

12. ASSIGNMENT
You agree that You will not transfer or assign any rights or obligations under the Agreement without the prior written consent of M-KOPA. M-KOPA has the right to transfer or assign the Agreement or any right or obligation under the Agreement at any time to any successor. M-KOPA shall inform You of such assignment and shall be entitled to disclose such information concerning You and the Agreement as M-KOPA considers appropriate to any actual or proposed direct or indirect successor or to any person to whom information may be required to be disclosed by any applicable law. You consent to such assignment by M- KOPA of any rights or obligations therein, provided that such transfer does not alter your rights and obligations under the Agreement to your detriment.

13. M-KOPA RESPONSIBILITIES

Inform of Approval
M-KOPA will communicate to You its approval or disapproval of the application for the Product by SMS, the M-KOPA app or phone call within seven (7) days of receiving your application.

Disbursement of the Product
M-KOPA will ensure the Product is disbursed once the Agreement is approved.

M-KOPA shall not accept responsibility if the Product is not disbursed due to third party system or network outages which result in a failure for a device to receive the Product.

End Billing when total Repayments are Paid
M-KOPA reserves the right to reactivate and maintain the module and billing for any Additional Products that You may purchase. M-KOPA will complete billing for the Product and end further Product requirements once the total Repayments are paid.

Protect Data
M-KOPA agrees to protect your data in accordance with the prevailing Applicable Law, the Agreement and the Privacy Policy.

Customer Care Contact
Any questions, complaints, claims or other communications relating to the Agreement should be directed to M-KOPA Customer Service Center at customerservice@m-kopa.com, phone +254707333222 and WhatsApp +254799136761.

14. GENERAL PROVISIONS
No waiver of these Terms by M-KOPA will be deemed a further or continuing waiver of such term or condition or any other term or condition, and any failure of M-KOPA to assert a right or provision under these Terms will not constitute a waiver of such right or provision.
If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision will be modified to reflect the M-KOPA’s and your intention or eliminated to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

M-KOPA may at any time replace, vary or amend without notice to You these Terms. Such replacement, variation or amendment will be published on the M-KOPA website and/or any other medium as solely determined by M-KOPA. The replacement, variation and amendment shall take effect immediately upon publication. Any changes to these Terms shall be binding upon You as fully as if the same were contained in these Terms and the Agreement.

The Agreement and these Terms will be governed and construed in accordance with the applicable laws of your jurisdiction. For avoidance of doubt, any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by, and construed in accordance with the laws of Kenya and the courts of Kenya shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with any such credit or its subject matter or formation (including non-contractual disputes or claims).

M-KOPA Cash Loans Terms and Conditions

The following terms and conditions (hereinafter referred to as the “Terms” as updated from time to time) are applicable to the M-KOPA cash loan product (the “Product”). These Terms as well as the M-KOPA Customer Privacy Policy (https://www.m-kopa.com/privacy/) (the “Privacy Policy” as updated from time to time) and the M-KOPA App terms and conditions are explicitly incorporated into the Customer’s agreement to accept the Product (the “Agreement”). The Customer (“You”) should therefore read the below Terms and the Privacy Policy. Acceptance of the Agreement shall constitute acceptance of these Terms and the Privacy Policy.

By accessing the Digital Channel (as defined below) and maintaining your Account (as defined below) You agree to comply with and be bound by these Terms governing the Product and you will be deemed to have read, understood, accepted and agreed with the Terms upon responding affirmatively on the applicable Digital Channel. If You do not agree with the terms of this Agreement, please do not click the “Agree” button on the Digital Channel. Please note that you will not be able to access the Product if you do not click “Agree” on the Digital Channel.

Should you have any questions about interpretation or meaning of these Terms or the Agreement, contact M-KOPA Customer Services Center.

Table of Contents

1. DEFINITIONS

These Terms use certain capitalised terms that are also used in your Agreement. Any capitalised terms that are used in these Terms and not otherwise defined have the same meaning as in the Agreement have the same meaning when they are used in these Terms and in your Agreement. These Terms also have the following additional defined terms:

1.1. “Account” means the M-KOPA customer account used for purposes of receiving the Repayment.

1.2. “Additional Product” means any follow-on or upgrade product that is purchased by You.

1.3. “Applicable Laws” means all laws, subordinate legislation and common law, rules, regulations, and formal regulatory guidelines and standards, ordinances and by-laws; directives, codes of practice, circulars, guidance notices, judgments and decisions of any competent authority, or any governmental, intergovernmental or supranational body, agency, department or regulatory, self-regulatory or other authority or organisation; and other similar provisions, from time to time, compliance with which is mandatory for a Party and which are in force from time to time and relevant to these Terms and the Agreement.

1.4. “Credit Bureau” means a means a credit reference bureau duly licensed under Financial Institutions (Credit Reference Bureau) Regulations, 2022 as amended, revised or promulgated from time to time, to inter alia, collect and facilitate the sharing of customer credit information.

1.5. “Digital Channel” means the M-KOPA App, USSD or any other digital channel which is used by the Customer to apply for or otherwise access the Product.

1.6. “Gateway Product” means the product initially purchased by You which controls your eligibility to apply for the Product.

1.7. “Interest” means the interest charges applicable to the Product pursuant to the Agreement.

1.8. “Loan Amount” means the loan amount received from M-KOPA pursuant to the Agreement.

1.9 “Product” means the cash loan product the principal amount of which will be granted by M-KOPA to You under the terms of the Agreement from time to time through the Digital Channel or (as the context requires) the total amount outstanding, including any Interest and/or other charges for the time being.

1.10. “Repayment” means the repayment of Product.

2. REPAYMENTS

You agree to pay the Repayments on the applicable due date (or in advance at your choosing) and You agree that the Repayments which may be paid on daily, weekly or monthly basis (as applicable), shall be applied toward your Product, until you make the Repayments in full within the maximum payment period as set out in the Agreement. You agree that the terms of your Product and charges payable in relation to the Product has been displayed on the Digital Channel and/or explained to You, prior to accepting the Product.

3. MODE OF PAYMENT
The Repayments (whether made daily, weekly, monthly or in total upfront) towards your Product shall be made through our USSD payment channels (MTN (*165*5*6#) or Airtel (*185*44#)) or through the M-KOPA App.

No payments by cash will be accepted by M-KOPA nor should they be made under any circumstances for the Product or the Repayments. Please inform M-KOPA Customer Service immediately using the contact details below if requested to make any cash payment.

You agree and understand that a portion of the Repayments consists of costs related to the Product including Interest. You understand that You may contact M-KOPA to get a breakdown of your Repayments.

4. PROMOTIONS/OFFERS
You may be identified by M-KOPA as eligible for various promotions and offers (including but not limited to airtime and data bundles). You will receive notifications (including, but not limited to WhatsApp, In-App Notifications, In-App Offers etc.) informing You of the available promotions and the applicable terms and conditions. You will have the option to accept or opt out of the available promotions and offers. The terms and conditions of the available promotions and offers will be supplemental and subject to these Terms. M-KOPA reserves the right to amend or vary the terms and conditions relating to such promotions/ offers.

5. PRODUCT CHARGES
You may apply for the Product through any of the Digital Channels. The maximum limit of the Loan Amount will vary depending on your eligibility for the Product. M-KOPA will communicate the Loan Amount, Interest and any other charges applicable to You prior to issuing the Product.

It is understood that if You make the Repayments on the applicable due dates as stated in your Agreement, a monthly Interest rate of between 3-10% shall apply to the Product. Interest shall be subject to the limits permissible by Applicable Law.

6. TAXES
The Repayments are exclusive of tax. In the event taxes are payable subject to Applicable Law, M-KOPA will inform You of the new development and You will pay any additional amount attributable to tax. Further, if M-KOPA is obligated by Applicable Law or any regulatory body to withhold any amounts relating to your Account, You hereby consent and agree to such withholding.

7. PERMISSION FOR ADMINISTRATION RIGHTS
You agree that M-KOPA shall have administration rights over the Gateway Product which will allow M-KOPA to restrict usage of and potentially disable the Gateway Product if the Repayments are not paid or your Account is otherwise in arrears. You understand that these administration rights may be reactivated even if You have paid the Repayments for the Product. You agree not to attempt to alter the administration rights granted to M-KOPA on the Gateway Product and any attempt to do so could void the warranty of the Gateway Product and violate the intellectual property rights of M-KOPA and the relevant Gateway Product manufacturer.

8. DEFAULT ON REPAYMENT AND CREDIT REPORTING
If You fail to fulfil your contractual obligations including keeping current on your Repayments, as required in the Agreement and such failure is continuing, You consent and agree, without prejudice to any other right or remedy granted to us under any law, that M-KOPA shall:

In addition, if You fail to keep current on the Repayments for the Product, your credit history and related information may be reported to a Credit Bureau until You become current in your Repayments, subject to Applicable Law.

9. NO SETOFF
All payments to be made by You under this Agreement shall be made in full without any setoff or counterclaim free and clear of and without any deduction or withholding whatsoever. If You are at any time required to make any deduction or withholding, You shall immediately pay such additional amounts as will result in M-KOPA receiving the full amount it would have received had no such deduction or withholding been required.

10. CONTACT INFORMATION
You consent that M-KOPA will send electronic communications to the primary and alternative contact details provided in the Agreement. You are solely responsible for the accuracy of such information and must ensure that all contact information provided to M-KOPA is complete and accurate in order to allow M-KOPA to contact You or the Alternative Contact Person during reasonable hours regarding your Account. You agree to inform M-KOPA of any changes to the contact information during the term of the Agreement.

11. ACCOUNT STATEMENTS
A statement in respect of your Account can be made available to You upon request. Contact M-KOPA Customer Services Center.
M-KOPA reserves the right to rectify discrepancies and/or alter the entries in your statements. Save for a manifest error, a statement issued to You in respect of your Account shall be conclusive evidence of the transactions carried out and requested by You in relation to your Account for the period covered in the statement.

12. ASSIGNMENT

You agree that You will not transfer or assign any rights or obligations under the Agreement without the prior written consent of M-KOPA. M-KOPA has the right to transfer or assign the Agreement or any right or obligation under the Agreement at any time to any successor. M-KOPA shall inform You of such assignment and shall be entitled to disclose such information concerning You and the Agreement as M-KOPA considers appropriate to any actual or proposed direct or indirect successor or to any person to whom information may be required to be disclosed by any applicable law. You consent to such assignment by M- KOPA of any rights or obligations therein, provided that such transfer does not alter your rights and obligations under the Agreement to your detriment.

13. M-KOPA RESPONSIBILITIES

Inform of Approval
M-KOPA will communicate to You its approval or disapproval of the application for the Product by SMS, the M-KOPA app or phone call within seven (7) days of receiving your application.

Disbursement of the Product
M-KOPA will ensure the Product is disbursed once the Agreement is approved.

M-KOPA shall not accept responsibility if the Product is not disbursed due to third party system or network outages which result in a failure for a device to receive the Product.

End Billing when total Repayments are Paid
M-KOPA reserves the right to reactivate and maintain the module and billing for any Additional Products that You may purchase. M-KOPA will complete billing for the Product and end further Product requirements once the total Repayments are paid.

Protect Data
M-KOPA agrees to protect your data in accordance with the prevailing Applicable Law, the Agreement and the Privacy Policy.

Customer Care Contact
Any questions, complaints, claims or other communications relating to the Agreement should be directed to M-KOPA Customer Service Center at customerservice@m-kopa.com, phone 0200522000 (Airtel), 0323522339 (MTN), and WhatsApp +256770625967 .

14. GENERAL PROVISIONS
No waiver of these Terms by M-KOPA will be deemed a further or continuing waiver of such term or condition or any other term or condition, and any failure of M-KOPA to assert a right or provision under these Terms will not constitute a waiver of such right or provision.
If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision will be modified to reflect the M-KOPA’s and your intention or eliminated to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

M-KOPA may at any time replace, vary or amend without notice to You these Terms. Such replacement, variation or amendment will be published on the M-KOPA website and/or any other medium as solely determined by M-KOPA. The replacement, variation and amendment shall take effect immediately upon publication. Any changes to these Terms shall be binding upon You as fully as if the same were contained in these Terms and the Agreement.

The Agreement and these Terms will be governed and construed in accordance with the applicable laws of your jurisdiction. For avoidance of doubt, any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by, and construed in accordance with the laws of Uganda and the courts of Uganda  shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with any such credit or its subject matter or formation (including non-contractual disputes or claims).

The following terms and conditions (hereinafter referred to as the “Terms”) as updated from time to time, are applicable to all mobility products in Kenya unless clearly stated otherwise. These Terms as well as the M-KOPA customer privacy policy (the “Privacy Policy”) as updated from time to time, are explicitly incorporated into the Application & Credit Agreement and the Subscription Agreement (as applicable) ( the “Agreement”). The Customer (“You” or “Your”) should therefore read the below Terms together with Your Agreement and the Privacy Policy. Acceptance of the Agreement shall constitute acceptance of these Terms and the Privacy Policy. At M-KOPA we take the privacy of our customers and their data very seriously.

Any questions, complaints, claims, or other communications relating to these Terms should be directed to customercare@m-kopa.com

1. DEFINITIONS

These Terms use certain capitalised terms that are also used in Your Agreement. Any capitalised terms that are used in these Terms and not otherwise defined have the same meaning as in the Agreement. For example, terms such as Vehicle, First Instalment, Subscription Fee, Lease Payment and Total Payment have the same meaning when they are used in these Terms and in Your Agreement. These Terms also have the following additional defined terms:

“Account” means the M-KOPA customer account used for purposes of receiving payment of Your First Installment and applicable Fee (as defined below)

“Additional Product” means any follow-on or upgrade product and/or service that is purchased by You

“Fee” means either the Subscription Fee or Lease Payment as applicable

“Vehicle” means the mobility product purchased from M-KOPA under the Agreement

2. THE FEE

You agree to pay the applicable Fee by the required date (or in advance at Your choosing) and You agree that the applicable Fee, shall be applied toward Your M-KOPA outstanding balance, until You have paid the Total Payment within the period as set out in the Agreement. Further, You agree that Your Fee may change if You purchase Additional Products. The Fee is non-refundable under any circumstance, including upon return of the Vehicle pursuant to paragraph 13 (Return of Vehicle).

3. MODE OF PAYMENT

The First Instalment and all applicable Fees towards purchase of the Vehicle and/or any Additional Product shall be made through the following channel:

[M-PESA Pay Bill Number 333222

VIA THE M-KOPA APP]

No payments by cash will be accepted by M-KOPA nor should they be made under any circumstances for the purchase of any Vehicle or the payment of the Fee. Please inform M-KOPA customer service or email CustomerProtection@m-kopa.com immediately if You are requested to make any cash payment or otherwise feel if you have been given wrong, misleading or potentially fraudulent information by any employee or agent of M-KOPA.

4. PROMOTIONS/OFFERS

By reason of your purchase of the Vehicle, You may be identified by M-KOPA as eligible for various promotions and offers. You will receive an SMS or WhatsApp notification informing You of the available promotions and the applicable terms and conditions. Those terms and conditions will be supplemental and subject to the Agreement and these Terms. M-KOPA reserves the right to amend or vary the terms and conditions relating to such promotions/ offers.  You may choose to opt out of receiving such promotions and offers by emailing dataprivacy@m-kopa.com or contacting M-KOPA Customer Services.

5. VEHICLE DEACTIVATION AND CREDIT REPORTING

If You fail to fulfil your contractual obligations including keeping current on payment of your Fee, M-KOPA may:

– deactivate your Vehicle (including by exercising a lien as applicable under this arrangement) until you become current again in your payments. This could require the payment of more than one installment of the Fee in order to unblock your Account; or

– repossess the Vehicle at M-KOPA’s sole discretion in accordance with applicable laws.

If you fail to keep current on the Fee payments for the Vehicle, your credit history may be reported to a credit reference bureau and may not be eligible for any other services from M-KOPA.

6. M-KOPA ADMINISTRATIVE RIGHTS OVER YOUR VEHICLE

You understand that M-KOPA shall have certain administration rights over your Vehicle which will allow M-KOPA to restrict usage of and potentially block or disable the Vehicle (including by exercising a seller’s lien as applicable under this credit sale arrangement) if your Fee is not paid or your Account is otherwise in arrears. Further, you understand that these administration rights may be reactivated even if you have paid off the Total Payment for the Product in the event that you purchase Additional Products or services from M-KOPA.

You agree not to attempt to alter the administration rights granted to M-KOPA on the Vehicle and any attempt to do so could void the warranty of the Vehicle and violate the intellectual property rights of M-KOPA and the relevant Vehicle manufacturer.

7. ADDITIONAL PRODUCTS

Once You finalize payment of the Product with a good credit performance, You will then qualify to apply for an Additional Product. For the avoidance of doubt, the Additional Product can be another Product, or digital financial services such as cash loans or e-vouchers or any other product that M-KOPA is offering as an Additional Product.

Where you successfully purchase an Additional Product, You agree that such Additional Product will be subject to the applicable terms and conditions of such Additional Product and where applicable, these Terms. For the purposes of these Terms, the term Product will include an Additional Product.

If fail to keep current on the Fee or credit payment or any other payment for such Additional Product, M-KOPA may deactivate your Additional Product and the Product (even if you have paid the Total Payment for the Product) until you become current again in your payments. This could require the payment of more than one pay of the Fee or any other payment to unblock your Account.

8. INTENDED USE ONLY

All Vehicles should be used solely in accordance with the instructions provided in the relevant Vehicle instruction manuals and Vehicle end-user license agreements (where applicable). Further, Your Vehicle must be maintained in proper repair and working condition in order to receive any applicable refund on your Vehicle and You agree that if You contravene any of the instructions provided in the Vehicle manuals, it will result in the forfeiture of the warranty of the Vehicle.

9. M-KOPA CREDIT SCORING SCHEME

M-KOPA may request Your permission to access credit scoring information from third parties including mobile network operators, financial service providers or other third parties such as credit reference bureaus or similar credit scoring companies. This information would be used to 1) contact you (where applicable); and 2) establish a credit scoring profile, and such credit score could lead to different pricing for the Vehicle depending on your score. You have the option to accept or deny this request.

By agreeing to M-KOPA’s request (which may be sent to You in different formats, including via USSD at the point-of-sale), You agree that M-KOPA will initiate a process to retrieve Your personal information and your credit scoring (including via a information call) and You agree to all applicable personal data sharing between M-KOPA and such third party credit score provider, subject to applicable laws.

You may withdraw your consent at any point during the process by refusing any further permission requests. The Privacy Policy shall apply to all aspects of the credit scoring information request. M-KOPA takes no responsibility for any error, delay, failure, or non-availability of the credit scoring service, and you shall hold M-KOPA harmless against any detriment, damage, or loss you may sustain as a result of non-favorable credit information, non-availability of credit information, or any error, delay, failure, or non-availability of the service.

10. CONTACT INFORMATION

You consent that M-KOPA will send electronic communications to the contact information which You provide in the Agreement. You are solely responsible for the accuracy of such information and must ensure that all contact information provided to M-KOPA is complete and accurate in order to allow M-KOPA to contact You or the Alternative Contact Person during reasonable hours regarding Your Account.

You agree that it shall be Your sole responsibility to keep Your contact information current and You will be deemed to have received any notice issued based on the contact information provided by You to M-KOPA, whether or not You actually receive the information or not.

11. LOST, STOLEN OR DAMAGED VEHICLES

You understand that M-KOPA is not responsible for the recovery of lost or stolen Vehicles and does not track lost or stolen Vehicles. If my Vehicle is lost or stolen at any point, during or after the term of the Agreement, it is my responsibility to report the matter to the appropriate police authorities. You further agree that even if the Vehicle gets lost, stolen or damaged, You will be responsible for paying the applicable Fee and the Total Payment for the Vehicle.

12. OWNERSHIP OF THE PRODUCT

You understand that You shall take ownership of the Vehicle at purchase under a lease arrangement but that M-KOPA and/or the Vehicle manufacturer (as applicable) shall at all times retain ownership to all of its intellectual property (whether registered or not) (the “Intellectual Property”) that is used to operate the Vehicle and the data generated therefrom, in both cases even after the Total Payment is paid.  You must not tamper, open, alter the administration rights, reverse engineer, misappropriate or modify and/or use the Intellectual Property in any other way not authorised by M-KOPA and/or the Vehicle manufacturer (as applicable) or aid any third party to do the same. Any contravention of this condition will result in forfeiture of the Vehicle warranty, void any right to a refund and result in a fundamental breach of the Agreement.

For avoidance of doubt any tampering and /or modification of the M-KOPA Intellectual Property shall constitute willful destruction of M-KOPA’s property and may result in criminal charges and such other civil actions being brought against any person, whether You or a third party, found to have tampered and/or modified the M-KOPA Intellectual Property regardless of whether the Total Payment of the Vehicle has been paid.

13. ASSIGNMENT

You agree that You will not transfer or assign any rights or obligations under the Agreement without the prior written consent of M-KOPA. M-KOPA has the right to transfer or assign the Agreement or any right or obligation under the Agreement at any time. Further, You consent to such assignment by M- KOPA of any rights or obligations therein, provided that such transfer does not alter my rights and obligations under the Agreement to Your detriment.

14.  INSPECTION BY M-KOPA

You agree to grant to M-KOPA, its employees or agents all reasonable facilities and opportunity for the inspection of the Vehicle at any time, subject to reasonable notice, including but not limited to with respect to any repair services or for the purpose of investigating any fraudulent uses of the Vehicle during the term of the Agreement.

15. RETURN OF PRODUCT

You may return Your Vehicle if it is in good working condition to any of M-KOPA’s retail stores or qualified dealers at any time during the term of Your Agreement. If you return Your Vehicle, You will;

1. be refunded Your full First Instalment (net of any cost of repairs or assessed damage); and

2. be released from Your remaining Fee obligation under the Agreement.

Further, if the Vehicle is returned with any missing components, the value of the components will be deducted from the value of the refund.

16. WARRANTIES

M-KOPA will facilitate repair or replace a Vehicle, in accordance with the warranty terms provided by the Vehicle manufacturer. The warranty is valid only if the Vehicle is used as instructed and is not tampered with, opened, modified and/or used in other ways not authorised by M-KOPA, the Agreement and these Terms. The warranty period is as set out in the instruction manual for the relevant Vehicle. M-KOPA reserves the right not to accept any Vehicle that is returned under warranty. Approval from M-KOPA’s customer service is required before a Vehicle can be returned to an M-KOPA service center or shop for repair or replacement. Once approval has been obtained, You should return Your faulty Vehicle to the nearest M- KOPA shop or authorized service center for repairs or replacement.

17. M-KOPA RESPONSIBILITIES

17.1 Activate the Vehicle

M-KOPA will ensure the Vehicle is delivered once the First Instalment is received and, thereafter, whenever Your Account has a positive credit balance. M-KOPA shall not accept responsibility if a Vehicle does not receive credit due to third party system or network outages which result in a failure for a Vehicle to receive credits.

17.2 End Billing when Total Payment is Paid

M-KOPA will complete billing for the Vehicle and end further payment requirements once the Total Payment of the Vehicle is paid. M-KOPA reserves the right to reactivate and maintain the module and billing for any Additional Products that You may purchase.

17.3 Transfer of the Vehicle

On receipt of the Total Payment, M-KOPA shall on the terms of the Agreement transfer the Vehicle to You.

17.4 Protect Data

M-KOPA agrees to implement appropriate and reasonable measures to protect your personal data in accordance with the prevailing data protection and consumer protection laws unless required to disclose such information by law or in accordance with these Terms and the Privacy Policy.

17.5 Ownership of Carbon Credits

M-KOPA shall have absolute and sole ownership of the carbon credits obtained from the usage of the Vehicle.

18. THIRD-PARTY CHARGES

You acknowledge that from time to time You may communicate with M-KOPA via USSD code in order to perform certain transactions on Your Account. You agree that such communication is made possible by third-party service providers and is subject to third-party charges. These third-party charges are separate from the Fee and are paid by You directly to the third-party service provider whether disclosed by the third-party service provider in advance or otherwise. You agree that all charges payable to third-party service providers, including all applicable taxes, are Your sole responsibility.

19. SUBSCRIPTION OFFER

19.1 Definitions

19.1.1 To the extent this paragraph 18 is applicable to You, the following definitions will apply:

a) Approved Driver means a driver who has been confirmed by Bolt and M-KOPA to use and acquire a Vehicle under the Agreement.

b) Bolt Platform means the online application-based mobility-related platform provided by the Bolt Group.

c) KPI means key performance indicators and associated criteria upon which Approved drivers will be evaluated and or measured as set out in Annexure 1 of the Agreement.

d) Online Hours means the amount of time of which You have agreed to spend on the Bolt Platform.

19.2 The Offer

19.2.1 M-KOPA offers You the Vehicle in line with this paragraph 18 (the “Offer”). You understand that the Offer to lease, hold, use, and redeem the Vehicle at the Subscription Fee is conditional to:

a)    You being an Approved Driver, registered and operating on the Bolt Platform;

b)    the terms and conditions of the Offer; and

c)    the terms set out in the Agreement.

19.3 Terms and Conditions of the Offer

19.3.1 At all times during the Offer period, You agree to:

a)    be readily accessible, available and actively engaged on the Bolt Platform during the Online Hours;

b)    respond promptly to incoming requests from customers on the Bolt Platform;

c)    maintain professionalism and adhere to the Bolt’s standards of conduct and service quality;

d)    commit to meeting the KPIs of which You confirm You have read, understood and agreed to.

19.3.2.     You understand that M-KOPA shall monitor and analyse Your driver behavior and driving by way of telematics devices.

19.3.3.     M-KOPA reserves the right to trace and immobilize the Vehicle at the discretion of M-KOPA in the event that the You have not complied with the payment requirements or breached the terms and conditions of this Offer or the Agreement.

19.3.4.     For the period of the Offer, You shall not remove, deface or damage the “BOLT” branding on the Vehicle.

19.3.5.    You have consented to M-KOPA retrieving Your personal data from Bolt and also sharing Your personal data with Bolt. Your personal data shall include but not limited to Your name and contact information, online hours and earnings, commission repayment information, Bolt app usage; trip data information, account status and driver ratings; geo-location data; and performance data (including my KPIs).

19.4. Withdrawal of the Offer

19.4.1.     In the event that:

a)    You are no longer permitted to operate on the Bolt Platform; or

b)    Your license is revoked or suspended; or

c)    You operate the Vehicle in such a manner it is subjected to risk, harm or damage; and/or

d)    You fail to meet or breach the term of the Offer or the Agreement,

M-KOPA reserves the right to withdraw the Offer.

19.4.2.     Where M-KOPA withdraws the Offer, You understand and agree that You cease to benefit from this Offer and the terms of this paragraph 18 will cease to apply to You with immediate effect.

19.5. Branding

19.5.1.     You agree that your Vehicle will be branded, at no cost to You, with the “BOLT” logo in line with the Bolt’s brand guidelines which brand guidelines You confirm have been provided to you by Bolt and you have read and understood the same.

19.5.2.     You agree to avail the Vehicle upon request by M-KOPA for the attachment, maintenance, removal or replacement of the branding materials on the Vehicles.

19.5.3.     Once the Total Payment is made or in the event M-KOPA withdraws the Offer, You agree to avail the Vehicle for removal of the Bolt banding material.

19.5.4.     You acknowledge that should you fail to avail Your Vehicle for removal of Bolt branding as notified by Bolt or M-KOPA from time to time, any penalty, fee or charge imposed by the municipality for displaying the Branding Materials on the Vehicle shall solely be at your cost.

19.5.5.     You are advised and understand that attaching any stickers including the Bolt branding materials to the Vehicle may potentially cause some discolouration or damage to the paintwork of the Vehicle. M-KOPA shall accept no liability for any damage caused from the application or removal of Bolt branding materials to the Vehicle.

20.    GENERAL PROVISIONS

20.1.   M-KOPA encourages You to report any abuse and or suspicions or concerns regarding fraud by any employee or agent of M-KOPA. To initiate a report, please email  CustomerProtection@m-kopa.com. You have the option to submit reports anonymously but, providing your contact information may assist M-KOPA in the investigation process. M-KOPA is committed to safeguarding those who report fraud and will not tolerate any retaliation or adverse actions against those who report fraud in good faith. However, deliberately making false reports with the intent to harm an employee or M-KOPA is prohibited and may result in appropriate legal action. Confidentiality of your identity as a reporter will be protected to the fullest extent permitted by law and will only be disclosed to individuals who need to know for the purposes of investigation, legal compliance, or protection against retaliation.

20.2.     No waiver of these Terms by M-KOPA will be deemed a further or continuing waiver of such term or condition or any other term or condition, and any failure of M-KOPA to assert a right or provision under these Terms will not constitute a waiver of such right or provision. If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision will be modified to reflect the M- KOPA’s and Your intention or eliminated to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

20.3.     M-KOPA reserves the right, at any time, to change, vary, amend or replace these Terms and any rules relating to Your purchase, its products and services and to modify its products and services at its discretion, with notice to You.

20.4.     No provision of these Terms is intended to contravene the applicable consumer protection legislation, and therefore all provisions of these Terms must be treated as being qualified, to the extent necessary, to ensure that the applicable consumer protection legislation is complied with.

20.5.     These Terms will be governed and construed in accordance with the laws of Kenya and the courts of Kenya shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims). Any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by, construed and determined in accordance with the applicable laws of Kenya.